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(Gptain FINANCIAL SERVICES LTD. MORTGAGES ¢ MORTGAGES This is a great time to re-finance! . Are you interested in paying a lower monthly mortgage payment? Are you interested in consolidating your Financial Obligations? Land a Good Deal with Captain FINANCIAL DAVE KRAUSE 873-4991 THE MORTGAGE SPECIALISTS ~ COMPARE OUR RATES - ~ (No Fees charged for people who qual We also have monies for tens of Sales, Second Mortgages, etc. (Rates subject to change without notice) For all your SSTATS needs, call 873-2254 Kathy at rax 873-3931 RRSP- What works? By George Perdue, B. Sc. P. Eng. Successful investors seek to increase their yield and mini- mize risk. The tax shelter of an RRSP is a good way to improve yield — the amount you keep. Within the RRSP you still must look at ways to increase yield and minimize risk. The first thing to do is to diver- sify the investment. That means to keep money working for you in a number of investments and in a number of types of invest- ments. There are three basic types of investments. These are cash, bonds, and equities. The split between the basic types depends upon your age, your risk toler- ance, and where the economy is in the business cycle. If we are coming into a recovery from the recent recession, then an appro- ties if you ignore your age and risk tolerance. These investment types might be expected to make returns like: cash, 6%; bonds 9%; equities, 12% — during the coming year. There are many exceptions to these suggested yields, especially in the equities since different sectors will do better during early economic recovery, etc. It is important to note that the return on these investments is proportional to the associated risk, For this reason, it is impor- tant to modify the contents of your RRSP portfolio with your risk tolerance. Making an investment requires an investment fee in one form or another. Buying securities requires a fee for each transac- tion. For this reason a small investor cannot diversify without the effect of relatively large investment fees if he or she buys individual investments directly. Mutual funds are a good way to get around this since a unit con- sists of ownership in a diversi- fied group of investments made 2. Consider an over-contribu- tion to maximize compounding. 3. Make spousal contributions so that you enjoy income split- ting when you cash out the RRSP thereby minimizing future incomes taxes. 4. eunacaete individual RRSPs in a self-directed RRSP in order to minimize trustee fees. 5. Maximize eligible contribu- ms. Fg 6. Maximize foreign content in order to enjoy superior perfor- mance. Ellen Roseman, Globe and Mail Financial writer, will be speak- ing to our guests at the John Elliott Theatre on Wednesday evening February 3, 1993. She will speak on "Worry for Families”. by a manager. In order to maximize the yield of the investments chosen for the RRSP: 1. Contribute for the current year as early as possible. This gives an extra year for tax shel- tered compounding and helps you avoid false highs associated with the RRSP season. will offer advice for finding the funds for your RRSP, Tickets are available from the Money Concepts Office. George Perdue is a Financial Planner, Business Consultant, and Partner in Money Concepts, Halton Hills. He can be contacted at (416) 873-1877. Real Estate This Week, Wednesday, January 27, 1993 — Page 3 Younus is beaut hndoafod bg hae looking the Credit River. Ted be warn tbo pe ae Petes ise oe Oey 247 Guelph Street, Georgetown Let Larry Barnstaple* bring one million viewers to your home via Roger's Cable TV. LARRY BARNSTAPLE O27 1p? 874-3040 Sates Representative” Toronto Res, 519-833-9578 Spring fo pond Open meadow, Beate rd Gare wih a econ tre ie, Mek ba fates oom plus balan Fou bdrm. apt. over garage. “Ag $340,000, ‘acres situated well back off the ocled area. Three pee 4 ® basement $89,900 only 10.6 beautiful acres, Great} Views, trees, close to Hwy #9 and All Road. Power of Sale, Dor't Walt Call Lary. Sag I A walkout basement, oat kitchen, main Toot laundry family room with fireplace. 92-2-128 festa Ietior, main flor family oom, double cat 922516 phe (garage. Call Lany 874-3040. back’ ei ‘Anes 0 "GO". Call hy ales of , (a= = | | | ae Rat J) 19.86 ha. adjacent to elas al | ew i Caledon Vilage wi th proposed 3 I of subdivision. Close to Brampton, comer property. fami aaaton with Cathedral celing & sone tie artage of the views. Petal Insulated bar with paddocks, Call Lamy Bamstaple’, 874-3040. 93-2115 F] : #401 Only 2 miles north of the 401 beaut ores, workable fee fata toad frontage. Call Larry 874 Located in Halton 1.34 acres on paved road water, gas & sewers Asking $99,000 0 NL hones neighbourhoods. Glearring hardwood floors} Nay fle Wel sed bac yar Sarl Kitchen and finished rec room. Asking On 89 acres, large bank barn, indoor Tiding arena, 38 stalls, stream, pond, s . 92-2-485 16 sre, need ba ho be abng . Stone and brick, 4 bedrooms, family seh log buming fireplace, 3 car garage. 22-463 1E PRICE IS RIGHT!! Spacious three bedroom link home with large fenced x yard backing onto park land, Firthad 1m with Wlnacting and large eal pawn floor to ving b sh frodlocy _ Pet baths. Asking $179,900.